Search found 97 matches

by VeganBH
Thu Mar 12, 2020 3:44 pm
Forum: Personal Investments
Topic: What does your Crystal Ball say?
Replies: 96
Views: 4840

Re: What does your Crystal Ball say?

I've been considering moving a good % of my non-taxable PF out of VBTLX (given the ETF equivalent was down over 5% today), and an added margin of safety couldn't hurt (nearing retirement). Crystall ball said: Signs point to yes :P So, I casually tried to log onto the State of California's 401K syste...
by VeganBH
Thu Mar 12, 2020 2:45 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26259

Re: Who is staying course and how are you dealing with net worth going down?

We are nibbling a bit on VTSAX, per our plan to increase our stock AA from 25-30 (up to 35)%. But, we are second guessing our Bond allocation which is 50% (PF is: 25:50:25 (S:B:MM/Cash) - an is more volatile than we'd like (expected?). Maybe move some bonds to MM... My earlier post: https://www.bogl...
by VeganBH
Thu Mar 12, 2020 2:36 pm
Forum: Personal Investments
Topic: Sell part of our VBTLX for Money Market?
Replies: 3
Views: 304

Re: Sell part of our VBTLX for Money Market?

Thanks for your response, Annu - good to know how others are dealing (or not dealing) with this.

I found a magic 8-ball online http://www.ask8ball.net/.
I asked the same question and got:
"Reply hazy, try again" :P
by VeganBH
Thu Mar 12, 2020 2:13 pm
Forum: Personal Investments
Topic: Sell part of our VBTLX for Money Market?
Replies: 3
Views: 304

Sell part of our VBTLX for Money Market?

Hello Bogleheads, DH and I are on the cusp of retiring. We thought our AA was solid and we've been sleeping well enough . We are 25:50:25 (S:B:Cash/MM). Question: Given the volatility of VBTLX (in taxable) and our other bond index funds (in 401K, and which are experiencing similar losses - they foll...
by VeganBH
Thu Mar 12, 2020 10:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19255
Views: 2672660

Re: U.S. stocks in free fall

Dow at 21,856 - trading suspended for 15 min (drop of 7% in 15 min. triggered). Wow. Hold on. :shock:
^^^ Maybe it was the S&P that triggered (sorry, too many red lines)....
by VeganBH
Wed Mar 11, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 143
Views: 13080

Re: BND Fell Today

One thing I have learned over the years is that if I can earn the reported calendar year returns from my investments, then I have done really well. Most individual investors do not earn the reported earnings from their investments because they can't hold on to their investments through the news cyc...
by VeganBH
Wed Mar 11, 2020 2:27 am
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 143
Views: 13080

Re: BND Fell Today

This idea that Total Bond did not lose money in 2008 is a myth based on looking at Calendar returns. Total Bond did lose money when you looked at it on a monthly basis, but did recover soon enough to finish the year positive. Making it correct to say on an annual basis it did not lose money. In fac...
by VeganBH
Tue Mar 10, 2020 1:05 am
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 143
Views: 13080

Re: BND Fell Today

Just as another data point, DODIX (Dodge & Cox Income Fund) declined 1.04% today (Monday). Vanguard GNMA mutual fund declined 0.09% but my winner was VBITX (Short-term Bond Index fund) was unchanged. Even Wellesley let me down (-3.13% for the day). My recommendation for a day like this: deep slow b...
by VeganBH
Thu Mar 05, 2020 1:56 am
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2820

Re: new VG dashboard [New Vanguard home page]

:?: My interpretation - What you see as a reader doesn't represent all of the underlying work needed to manage their website. My guess is that something, most likely related to databases, which supports what you see in your web browser couldn't handle the increased traffic. So, they reverted the wh...
by VeganBH
Wed Mar 04, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2820

Re: new VG dashboard [New Vanguard home page]

Did anyone else's login welcome page change tonight? It was a bit of a shock, but it is usable and in someway better (eliminated the tabs). I noticed the change on Sat (to the older "account overview" layout). It was back to normal on Sunday. Now it's reverted again to the older. I don't like the o...
by VeganBH
Mon Mar 02, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2820

Re: new VG dashboard [New Vanguard home page]

Did anyone else's login welcome page change tonight? It was a bit of a shock, but it is usable and in someway better (eliminated the tabs). I noticed the change on Sat (to the older "account overview" layout). It was back to normal on Sunday. Now it's reverted again to the older. I don't like the o...
by VeganBH
Thu Feb 27, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 18948

Re: who is worried and feels like selling stocks?

Not too worried (yet?). DH and I learned a lesson from 2008 (and from this forum), to choose an allocation we can live with/sleep well at night/buy & hold. So far, so good. :wink: In fact, we re-balanced a bit today, and purchased some VTSAX, to get back to our 25/75 allocation (from MM accounts in ...
by VeganBH
Thu Feb 27, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Why do you hold bonds in your portfolio?
Replies: 296
Views: 22573

Re: Why do you hold bonds in your portfolio?

Sandtrap wrote:
Thu Feb 27, 2020 6:44 pm
I hold Vanguard Total Bond in my portfolio so I don't have to do this:


j :happy
^^^This!^^^
by VeganBH
Thu Feb 27, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Why do you hold bonds in your portfolio?
Replies: 296
Views: 22573

Re: Why do you hold bonds in your portfolio?

Yes. Despite the recent carnage, my 30/70 PF is UP .57% YTD. SnP is DOWN 2.9% YTD. +1 Is it bad to feel a little smug about this? 8-) I don't think so -- being only 30% in stocks I missed a lot of the upside in the past couple years. I'll be 70 this summer, still working, and my PF is just treading...
by VeganBH
Thu Feb 27, 2020 1:57 am
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25232

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

In any case, I would absolutely recommend reading the SPD because this is a significant transfer and I would take an hour or so and look at the relevant portions. It will be worth your while. The downside would be if you can't get back into the fund you want right away and you miss the upside. The ...
by VeganBH
Tue Feb 25, 2020 4:18 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22309

Re: What did you learn from the 2/24 sell off?

I learned that our our current AA of: 25:50:25 (stocks, bonds, cash/MM) is probably right for us. We've been planning to up it to ~35:65 (have been sitting on cash from some rental home sales)....but I think not . :happy Disclosure: I think we've "won the game" - so no need to take on more risk than...
by VeganBH
Fri Feb 21, 2020 1:38 am
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9899

Re: Has Vanguard deteriorated?

We made the move to Vanguard less than a year ago. We're very satisfied. They handled our complicated portfolio transfer from another brokerage (Ameriprise :oops: ) - and the process exceeded our expectations. Smooth, professional, responsive. Plus, we took advantage of having a free meeting with on...
by VeganBH
Tue Feb 04, 2020 2:49 am
Forum: Personal Investments
Topic: pennies for your thoughts
Replies: 11
Views: 1569

Re: pennies for your thoughts

Careful that there aren't quarterly "account maintenance fees (AMF)" or similar non-sense. We're still trying to extricate ourselves ($$) from Ameriprise - but need to hold off and leave some funds there, since they were placed in "proprietary" funds by our former adviser - which requires selling th...
by VeganBH
Sun Jan 26, 2020 3:30 pm
Forum: Personal Investments
Topic: Asset Allocation within a few years of retirement
Replies: 28
Views: 2258

Re: Asset Allocation within a few years of retirement

OP - Congrats to nearing retirement. We think we're ~1 year out ourselves. We still struggle with what the best AA is for us (allowing us to sleep at night, but not running out of money :happy ), so always enjoy reading these threads. I will add, this simple breakdown by Vanguard might be helpful - ...
by VeganBH
Fri Jan 10, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Windows 7 movie maker replacement(solved)
Replies: 11
Views: 1166

Re: Windows 7 movie maker replacement(solved)

I'm always amazed at the wealth of useful information on this forum. I too was so saddened to see MM disappear from my computer last year - tried several free options. Finally bought/learned Adobe Premiere (surprisingly, much easier than any other Adobe products I've used). Now, I come across this t...
by VeganBH
Tue Oct 29, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5546
Views: 1359211

Re: What Movie Have You Recently Watched?

El Camino , on Netflix. It got a bit confusing on the flashback vs. current time tracks, but the movie was very good. A flashback scene with his former chemistry teacher was hilarious - subtle, yet very effective. Another scene near the end of the movie was in the style of Quentin Tarantino. +1 DH ...
by VeganBH
Mon Oct 28, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2643

Re: Popeyes Chicken Sandwich [is it a good value]

Definitely no plans to try it. We prefer to be plant-based for the health benefits. Google nutritionfacts dot org and peruse at leisure. Or watch forks over knives.....eye opening.
by VeganBH
Fri Oct 18, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 124
Views: 9948

Re: can't logon to vanguard account [Website Down]

Thanks for the input, fellow BHs. For the record, the login issue resolved itself within about 10 minutes. But the site is consistently slow,especially in the evenings. So much so, that I feel a bit of anxiety whenever my DH goes to the site - as I was the one who suggested the move to VG. :annoyed....
by VeganBH
Fri Oct 18, 2019 1:22 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 124
Views: 9948

Vanguard Website Down Again

[Thread merged into here, see below. --admin LadyGeek] Okay, just a rant here - we moved all our investments over to VG in the past few months. I find the website itself very user-friendly - the problem is, half the time it's so slow, it's like having a dial-up connection. Other times, like now, I ...
by VeganBH
Fri Aug 30, 2019 1:09 am
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 17049

Re: What is your plan for the last few years of a long life?

I plan to avoid going into long term care How do you make such a plan? Do you have designated caregivers for your home? Or some other arrangement? JoeRetire, That's a great question! That's all of the plan that I have worked out. I'm listening and learning. This discussion is helpful. When I sit ar...
by VeganBH
Wed Aug 28, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 17049

Re: What is your plan for the last few years of a long life?

FYI. Death With Dignity states have clear restrictions on who can use the law and under what circumstances. In addition to having a diagnosis of likely death within 6 months, you must be of sound mind (cognitive decline? sorry.) and you must be able to administer the life-ending medication to yours...
by VeganBH
Wed Aug 28, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What makes your dream house so special?
Replies: 41
Views: 3406

Re: What makes your dream house so special?

I think we're in our dream house, because of the neighborhood: it's very walkable - to store, gym (nice pool/tennis etc.) HOAs/CCRs that keep things tidy (well enforced) - and all the homes have front yard maintenance though we're in a suburb of a large city - there are dedicated bike/walking paths ...
by VeganBH
Wed Aug 28, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 17049

Re: What is your plan for the last few years of a long life?

DH and I have had similar talks (plans?) - good in theory, not so sure about in practice. Plus, that inevitably will only work for one of us. We're only 50 - maybe a year out from retirement, but it's something we ponder quite a bit. We're not too concerned about outliving our money (pension/saving...
by VeganBH
Wed Aug 28, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 17049

Re: What is your plan for the last few years of a long life?

At some certain point, cognitive decline will take hold and there may be some relief from worry and stress? :shock: j My wife has kindly offered to put a pillow over my face if this happens, so I'm relieved to not worry about it. 8-) DH and I have had similar talks (plans?) - good in theory, not so...
by VeganBH
Wed Aug 28, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Ameriprise Runaround - Dividends/Gains Reinvestment Off?
Replies: 6
Views: 557

Re: Ameriprise Runaround - Dividends/Gains Reinvestment Off?

KSOC wrote:
Wed Aug 28, 2019 6:42 am
Keep plugging. We had IRA's there for a LONG time, and it took a LONG time to get it rolled over. UGH, Ameriprise. Those expense ratio's (2.93, 2.30, 1.01) are unbelievable!
Thanks for the encouragement! Yes, aren't those ERs something else :oops: ? Learn better, do better!
by VeganBH
Wed Aug 28, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Ameriprise Runaround - Dividends/Gains Reinvestment Off?
Replies: 6
Views: 557

Re: Ameriprise Runaround - Dividends/Gains Reinvestment Off?

Are you sure you have gains worth talking about? CDAZX looks down quite a bit in the past year. None look up, or at least much. I'd want out totally before they get worse, no? Looks like it*. Spot on, RickBh! And that was just a sample of the mess (complete picture is below). We absolutely can't wa...
by VeganBH
Wed Aug 28, 2019 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Ameriprise Runaround - Dividends/Gains Reinvestment Off?
Replies: 6
Views: 557

Re: Ameriprise Runaround - Dividends/Gains Reinvestment Off?

Thanks Dale_G, for confirming what seemed fairly obvious to me. What's one more call.... My DH has been on the phone no fewer then 1/2 dozen times in the past week alone, to get ALL reinvestments turned OFF. At least we're half way there. Oy vey! The poor customer service/incompetence we've experien...
by VeganBH
Wed Aug 28, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Ameriprise Runaround - Dividends/Gains Reinvestment Off?
Replies: 6
Views: 557

Ameriprise Runaround - Dividends/Gains Reinvestment Off?

Hello Bogleheads, Since becoming a bit educated on investing a few months back (thanks to this forum), we've been trying to extricate ourselves (and $$$) from our Advisor/Ameriprise. Most of our funds transferred easily in-kind to Vanguard. Unfortunately, 5-months later and we're still trying to get...
by VeganBH
Tue Aug 13, 2019 3:25 pm
Forum: Personal Investments
Topic: Paying current taxes vs continued high expenses
Replies: 32
Views: 2223

Re: Paying current taxes vs continued high expenses

Use this tool and see what the fees will do to $220k over 30 years (no new contributions), 6% return. Compare 1 and 1.5% fees to .06% (3 fund style at Vanguard). https://www.dinkytown.net/java/compare-investment-fees.html I did a rough stab. .06% fees instead of 1.5% over 30 years means $418k more ...
by VeganBH
Sat Aug 10, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 3245

Re: Have you started a blog?

1. was it easy to set up, get domain, create site, etc.? Setting up a website/blog right now. Bluehost (domain and hosting), and WordPress. Very easy, drag/drop, use free themes/templates, etc. Lots of free video tutorials to help. I'm using OceanWP (free theme) - highly recommend. I've built sites ...
by VeganBH
Wed May 08, 2019 12:07 am
Forum: Personal Investments
Topic: Options Moving Managed Funds from Ameriprise to Vanguard
Replies: 2
Views: 319

Re: Options Moving Managed Funds from Ameriprise to Vanguard

Have you called and asked VG? They were very helpful when my DW moved funds from her old accounts. Thanks fortfun. I thought VG indicated this particular issue of moving proprietary funds over was something that we had to directly handle with Ameriprise. But, this transfer ("break-up") began over 6...
by VeganBH
Tue May 07, 2019 3:55 pm
Forum: Personal Investments
Topic: Options Moving Managed Funds from Ameriprise to Vanguard
Replies: 2
Views: 319

Options Moving Managed Funds from Ameriprise to Vanguard

Hello BHs, I'm relatively new to the forum. My recent education to the BH investment philosophy is prompting many changes to our investments. Front and center to this is moving both our taxable and our non-taxable (401-k roll-over) accounts out of Ameriprise and into Vanguard. So far so good with th...
by VeganBH
Sat Apr 13, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 14284

Re: Can I semi-retire now?

minimally I need to better understand the social security payout (although that pay out is some 20 years away). I had similar questions about calculating SS using zero years/early retirement. Someone on the forum recommended this tool: https://socialsecurity.tools/app.html which I found to be fanta...
by VeganBH
Tue Apr 02, 2019 7:03 pm
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Re: Approximating Three-Fund Portfolio in My 401K /457 Account

I have a question: if you have a 457 with some serious assets in it and plan to retire before the year in which you turn 59.5, why not allocate it in such a way to plan the drawing from there? Although I also see that 401/457 (I'm curious what you do for that combination, but it's probably none of ...
by VeganBH
Tue Apr 02, 2019 5:34 pm
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Re: Approximating Three-Fund Portfolio in My 401K /457 Account

Thanks lakpr - Who knew Morningstar had such details (not me, newcomer and all)?
That is definitely more specific (and telling) than the "up to 25%" that is offered on Vanguard's page.
Thanks again for helping to bring me up to speed. :D
by VeganBH
Tue Apr 02, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 15772

Re: Folks in their 60s and above. What early investment on health do you recommend.

stoptothink, I respectfully disagree with your opinion of the China Study and Forks Over Knives. I do trust that the OP will be able to make their own determination as to what is "Scientific" and what is not. There are many resources, studies, etc. on the topic that support a whole foods, plant-base...
by VeganBH
Tue Apr 02, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 15772

Re: Folks in their 60s and above. What early investment on health do you recommend.

I'm about a decade under....but if I may: The answer for our family was in changing our "diet" (eating lifestyle, really) to a whole foods, plant based one. And this was the obvious choice for us (seeking to improve our odds of being healthy) after educating ourselves on what the science says on hum...
by VeganBH
Tue Apr 02, 2019 1:23 pm
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Re: Approximating Three-Fund Portfolio in My 401K /457 Account

lakpr, Thank you so much for that link - that Wellesley Income Fund (VWIAX) really does seem like a good fund for us. We actually looked closely at the VG LifeStrategy Conservative Growth Fund (VSCGX), thinking how great that could work for us (in terms of the conservative allocation, simple 1-fund ...
by VeganBH
Tue Apr 02, 2019 12:06 am
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Re: Approximating Three-Fund Portfolio in My 401K /457 Account

lakpr, That is a very interesting fund! The "70 stock funds" only is a bit of a concern? (I have Mr. Bogles "Buy the market" in my head, given my recent education here on the forum). I will definitely take a much closer look at it (ER: 0.16). It does seem like a good fit given the moderate risk/retu...
by VeganBH
Tue Apr 02, 2019 12:01 am
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Re: Approximating Three-Fund Portfolio in My 401K /457 Account

Thanks megabad - yes, we are planning for a well-below 4% - a 2.5-3% withdrawal likely. Our pension will cover our basic/necessary living expenses (barebones), so any withdrawal will be for discretionary expenses (travel, hobbies). Which will give us the ability to adjust if things really go south.....
by VeganBH
Fri Mar 29, 2019 10:48 pm
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Re: Approximating Three-Fund Portfolio in My 401K /457 Account

mega317 - Thank you for your feedback. Yes, the AA of 65/35 is quite low. After our recent (and ongoing) education in the boglehead way of investing...we've contemplated what AA we would be able to "stay the course" with, and came up with a range between 25% - 40% stocks. We are really risk averse. ...
by VeganBH
Fri Mar 29, 2019 4:15 pm
Forum: Personal Investments
Topic: Approximating Three-Fund Portfolio in My 401K /457 Account
Replies: 12
Views: 878

Approximating Three-Fund Portfolio in My 401K /457 Account

Hello Bogleheads. This is my 1st post here after my recent discovery of the group. What a fantastic resource this is - many thanks! My husband and I only wish we'd discovered this way of investing/this group sooner... the philosophy, low-cost index funds, stay the course, Vanguard, etc. Despite doin...